Banks have been debiting customers even for failed transactions. RBI guidance clearly states that this is to be reimbursed to the customer with in seven days.
There are other ingenious ways Banks skim you.
To remit money into your account to your account in another city(from the same bank),HDFC charges and the charges levied are just arrived at the spur of the moment.
HSBC, when the loan accountis closed, in the time stipulated, charges you additional amount before issuing release letter. Banks debit Rs 200-300 every month to your account under Miscellaneous charges or Service charges. If you protest to them vigorously they waive it. It pays to check your account patiently.
The RBI further said that all customers are entitled to receive such compensation for delays only if a claim is lodged with the issuing bank within 30 days of the date of transaction. http://www.moneylife.in/article/rbi-asks-banks-to-reimburse-failed-atm-transactions-in-7-days/16791.html
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